Core Points - PayPoint plc has completed a Share Consolidation and announced the payment of a Special Dividend following approval at the General Meeting held on 17 October 2025 [2][7] - The Share Consolidation resulted in shareholders receiving 12 New Ordinary Shares for every 13 Existing Ordinary Shares held as of the record date [3] - As of 20 October 2025, the Company's share capital consists of 63,710,952 ordinary shares, each with a nominal value of 0.3611 pence [4] Share Consolidation Details - The Share Consolidation has become effective, with trading of the New Ordinary Shares commencing at 8:00 a.m. (London Time) on the day of the announcement [2] - Shareholders will maintain the same proportion of the Company's issued share capital post-consolidation, subject to adjustments for fractional entitlements [3] - The figure of 63,710,952 shares will be used for calculations related to shareholder notifications under the FCA's Disclosure Guidance and Transparency Rules [5] Special Dividend Information - The Special Dividend is expected to be paid to shareholders on 31 October 2025 [7] - CREST accounts will be credited with New Ordinary Shares on the same day, with share certificates expected to be dispatched by 31 October 2025 [6]

Core Points - PayPoint plc successfully passed all resolutions at the General Meeting, including the approval of a Special Dividend and Share Consolidation [2][3] - The voting results showed overwhelming support for the resolutions, with the Special Dividend receiving 99.94% approval [3] - The Share Consolidation will result in shareholders receiving 12 New Ordinary Shares for every 13 Existing Ordinary Shares held, effective from 20 October 2025 [6] Voting Results - Resolution 1 (Special Dividend and Share Consolidation): 55,000,050 votes for (99.94%), 33,778 votes against (0.06%) [3] - Resolution 2 (Allotting shares): 54,782,132 votes for (99.55%), 244,953 votes against (0.45%) [3] - Resolution 3 (Disapply pre-emption rights): 54,737,260 votes for (99.48%), 286,713 votes against (0.52%) [3] - Resolution 4 (Disapply pre-emption rights for acquisitions): 53,706,157 votes for (97.60%), 1,319,717 votes against (2.40%) [3] - Resolution 5 (Market purchases of shares): 52,708,547 votes for (95.85%), 2,282,727 votes against (4.15%) [3] Share Capital Information - As of 15 October 2025, PayPoint had 69,020,204 ordinary shares in issue, with one vote per share [5] - Following a buyback and cancellation, the issued share capital will be 69,020,198 ordinary shares as of 17 October 2025 [5] Share Consolidation Details - The Share Consolidation will be effective as of 6:00 p.m. on 17 October 2025, with new shares trading on the London Stock Exchange starting 20 October 2025 [6]

1 October 2025 PayPoint Plc ("the Company") Notifications of transactions by Persons Discharging Managerial Responsibilities (together “PDMRs”) 1. The PayPoint Plc Share Incentive Plan – Dividend Reinvestment The Company was notified on 29 September 2025 that the second instalment of the final dividend paid by the Company on 26 September 2025 was reinvested by way of an election under the PayPoint Plc Share Incentive Plan to purchase ordinary shares of 1/3 pence each in the Company on 29 September 2025 for ...

Core Insights - PayPoint Plc and International Distribution Services (IDS) have announced a strategic investment in Collect+, acquiring a 49% stake for £43.9 million, valuing Collect+ at £90 million [2][4] - The partnership aims to enhance Collect+'s growth and position as a leading out-of-home (OOH) store network in the UK, with plans to upgrade 500 sites to offer Royal Mail services and expand further over the next year [3][4] Financial Implications - PayPoint will propose a special dividend of 50.0 pence per share and a share consolidation of 12 for 13, subject to shareholder approval at a Special General Meeting on 17 October 2025 [5][11] - The transaction is expected to enhance earnings per share (EPS) in the first full year to March 2027, driven by the special dividend, share consolidation, and anticipated growth in Royal Mail service volumes through the Collect+ network [5][12] Operational Developments - Collect+ currently operates over 14,000 OOH locations in the UK, with nearly 8,000 offering Royal Mail services, and plans to roll out Royal Mail Shop branding across these sites starting in October [3][4] - The introduction of Royal Mail over-the-counter services and self-service kiosks is expected to improve customer convenience and expand service offerings [6][7] Shareholder Returns - The total return to shareholders for the current financial year is projected to exceed £90 million, combining the special dividend, ordinary dividend, and ongoing share buyback [6][8] - The special dividend is contingent upon shareholder approval and is expected to be paid on 31 October 2025, following the completion of the share consolidation [13][14]

Group 1 - Affirm's stock (NASDAQ: AFRM) has increased over 20% in the last month due to strong quarterly performance and an optimistic outlook [2] - The growth was supported by an expanded partnership with Apple Pay for in-store purchases and new integrations with ServiceTitan and Stripe Terminal [2] - The U.S. Federal Reserve's 25-basis-point interest rate cut and potential future cuts have created a favorable market for AFRM stock [2] Group 2 - Paymentus stock (NYSE: PAY) is considered a more attractive investment compared to Affirm due to stronger long-term revenue growth, higher profitability, and better valuation [3] - Paymentus reported a quarterly revenue increase of 41.9%, while Affirm's revenue growth was 33.0% [6] - Paymentus' Last 12 Months revenue growth was 49.4%, surpassing Affirm's 38.8% [6] Group 3 - Paymentus has a stronger 3-year average margin of 3.7%, compared to Affirm's -20.9% [6]

Group 1 - TimesSquare Capital Management's "U.S. Small Cap Growth Strategy" reported a gross return of 11.28% and a net return of 11.02% for Q2 2025, compared to the Russell 2000 Growth Index's return of 11.97% [1] - The fund's top five holdings were highlighted, indicating strong performance in the second quarter driven by global economic activity [1] - Paymentus Holdings, Inc. (NYSE:PAY) experienced a one-month return of -12.15% but gained 54.10% over the last 52 weeks, closing at $32.90 per share with a market capitalization of $4.121 billion on September 11, 2025 [2] Group 2 - Paymentus Holdings, Inc. advanced 25% during the quarter, reporting strong performance and raised guidance, with solid new business bookings, backlog, and pipeline [3] - In Q2 2025, Paymentus reported revenue of $280.1 million, a 41.9% year-over-year increase, and contribution profit of $93.5 million, up 22.3% [4] - The number of hedge funds holding Paymentus increased from 21 to 26 in the second quarter of 2025, indicating growing interest [4]

Core Insights - The market opportunity for bill presentment in the U.S. has expanded since the company's IPO, with revenue growth from $300 million to over $1.1 billion [1] - The company serves the nondiscretionary segment of the U.S. economy, which has positively impacted its growth trajectory [1] Industry Trends - The design of the company's platform is intended to meet current market demands, allowing for scalability across various verticals [2] - There is a shift in customer preferences from purpose-built solutions for specific verticals to more versatile horizontal solutions [2]

Summary of Paymentus Conference Call Company Overview - **Company**: Paymentus - **Industry**: Bill payment and presentment solutions - **Market Position**: Grew from $300 million at IPO to over $1.1 billion currently, indicating significant market capture and growth potential [2][4] Core Industry Insights - **Market Opportunity**: The U.S. bill presentment market is large and growing, with Paymentus capturing only about 3.5% to 4% of the total market, which was approximately $16 to $17 billion in payments last year [9][10] - **Non-Discretionary Nature**: Paymentus operates in a non-discretionary segment of the economy, focusing on essential bills like utilities, which are less sensitive to economic fluctuations [25][26] Key Business Strategies - **Platform Design**: Paymentus has designed its platform to be scalable and adaptable across various verticals, allowing for a unified code base that enhances customer experience and operational efficiency [3][4] - **Customer-Centric Approach**: The company emphasizes understanding customer needs and maintaining a customer-centric culture, which has been integral to its success [15][16] - **Expansion Across Verticals**: Paymentus has expanded into multiple sectors including utilities, insurance, government services, healthcare, telecom, and education, with utilities still representing close to 50% of its business [21][23] Financial Performance - **Operating Leverage**: The company has demonstrated improved operating leverage, with an incremental adjusted EBITDA margin of over 50% in recent quarters, allowing for increased investment in sales and marketing [19][20] - **Growth Metrics**: Paymentus aims for a top-line growth of 20% CAGR and bottom-line growth of 20% to 30% CAGR, with strong visibility into future performance based on current contracts and backlog [47][34] Competitive Landscape - **Complexity of Bill Payment**: Paymentus differentiates itself by addressing the complexities of bill payment, which involves unique business rules and integration challenges that competitors may not effectively manage [39][40] - **Instant Payment Network (IPN)**: The IPN is a critical component of Paymentus's strategy, allowing billing companies to reach customers through various channels, enhancing payment accessibility [43][44] Macro Environment Considerations - **Resilience to Economic Changes**: Paymentus's focus on essential services makes it less vulnerable to macroeconomic fluctuations, with a strong emphasis on customer support during inflationary periods [25][26][27] Future Outlook - **Pipeline Strength**: The company reports a strong pipeline with a mix of small, medium, and large enterprise customers, providing confidence for future growth [33][34] - **Capital Allocation**: Paymentus prioritizes organic growth and is open to opportunistic M&A, although there are no current plans for acquisitions [54][55] Additional Insights - **Digitalization Trend**: The shift towards digital payment methods is expected to drive revenue growth as manual payment methods decline [30][31] - **Agentic AI Potential**: Paymentus sees potential in leveraging Agentic AI for both internal efficiencies and enhancing customer experiences [52][53] This summary encapsulates the key points discussed during the Paymentus conference call, highlighting the company's growth trajectory, market opportunities, strategic initiatives, and financial performance.

Paymentus (PAY) Conference Summary Company Overview - **Company Name**: Paymentus - **Industry**: FinTech, Bill Payment Services - **Founded**: IPO in 2021 - **CEO**: Dushant Sharma - **CFO**: Sanjay Khalra - **Core Business**: Cloud-based bill payment service platform for non-discretionary billing companies, including utilities, insurance, government services, consumer finance, telecom, and healthcare [3][5][6] Key Financial Metrics - **Recent Revenue Guidance**: Midpoint guidance exceeds $1,000,000,000 [3] - **Transactions Processed**: Approximately 175,000,000 transactions last quarter [3] - **Market Share**: Currently holds about 3.5% of the total addressable market (TAM) [17] - **Growth in Market Share**: Increased from approximately 2.8% in 2023 [18] - **Total Bills Paid Annually in the US**: Approximately 16 to 17 billion [17] Growth Drivers - **Strong Demand Across Verticals**: Growth observed in utilities (50% of revenue), insurance, government, banking, and healthcare [5][21] - **Enterprise Customer Acquisition**: Significant traction with large enterprise customers alongside growth in non-enterprise customers [21][24] - **Same Store Sales Growth**: Expansion within existing enterprise clients as they modernize their operations [27] - **Backlog and Bookings**: Strong backlog and consistent bookings performance provide visibility for future growth [19][26] Competitive Advantages - **Omni-channel Platform**: Designed to serve all customer sizes and verticals, allowing billing companies to communicate across various channels [9][10] - **Integration and Cost Model**: Simplified integration process with a pay-per-transaction model aligns interests with clients [10][12] - **AI Integration**: Early commitment to AI enhances customer engagement and operational efficiency, positioning Paymentus favorably in the evolving market [34][37] Market Position and Future Outlook - **Long-term Growth Potential**: Significant runway for growth as the company captures more market share and expands its customer base [20][49] - **Focus on Organic Growth**: Prioritizing organic growth over M&A, with a focus on expanding the sales team and capturing more of the TAM [39][40] - **Financial Health**: Strong balance sheet and cash flow, with a commitment to profitable growth [28][51] Regulatory Environment - **Current Regulatory Climate**: No significant concerns regarding regulatory changes; considered an essential service during COVID-19 [47] - **Positive Economic Indicators**: Potential benefits from decreasing energy prices under the current administration [48] Conclusion - **Future Goals**: Anticipation of continued growth and expansion in market share, with a focus on maintaining strong financial performance and customer satisfaction [49][50]

Summary of Paymentus Conference Call Company Overview - **Company**: Paymentus - **Industry**: Fintech, Payment Processing Key Points Financial Performance - **Q2 Revenue Growth**: Revenue increased by 42% year-over-year [3] - **Transaction Volume**: Transactions rose by 25% [4] Business Model and Strategy - **Platform Design**: Paymentus has a vertically agnostic, horizontally scalable platform designed to serve a wide range of customers, regardless of size [4][5] - **Focus on Nondiscretionary Spending**: The company targets essential bills, which positions it favorably against economic downturns [6][19] - **Operating Leverage**: Strong operating leverage allows for margin improvement while serving large enterprise customers [7][31] Market Opportunities - **Verticals with Strong Momentum**: Key verticals include utilities, insurance, government services, and telecommunications, all showing strong growth [5][6] - **AI Integration**: The introduction of AgenTiC AI is expected to enhance customer experience and internal processes, driving future revenue growth [10][12] Competitive Advantage - **Unique Instant Payment Network**: Paymentus offers a proprietary network that allows businesses to reach all customers, not just those on its platform [13][16] - **Customer Acquisition Strategy**: The company has improved its onboarding process, making it easier for clients to transition from legacy systems [23][24] Macroeconomic Resilience - **Diversification**: Expanding into multiple verticals has reduced the company's exposure to macroeconomic risks [21][22] - **Historical Resilience**: Paymentus has successfully navigated past economic challenges, including the 2008 financial crisis and COVID-19 [19][20] Financial Outlook - **Sustainable Margins**: Incremental adjusted EBITDA margin is at 54%, with expectations for continued improvement [31] - **Long-term Growth Projections**: The company anticipates a 20% CAGR in top-line growth and 30% growth in adjusted EBITDA over the long term [34] Capital Allocation and M&A Strategy - **Focus on Organic Growth**: Paymentus prioritizes organic growth and maintains a strong balance sheet with approximately $300 million in working capital [35][36] - **Opportunistic M&A**: While not actively pursuing M&A, the company remains open to opportunities that may arise [36][37] Future Outlook - **Market Potential**: The company sees a significant market opportunity, with trillions of dollars in potential revenue as digital payments continue to grow [40][41] - **Excitement for Growth**: Management expresses confidence in the company's ability to capitalize on its market position and operational strengths [42][44] Additional Insights - **Customer-Centric Approach**: Paymentus emphasizes the importance of customer satisfaction and adaptability in its service offerings [9][25] - **Technological Advancements**: The company is committed to leveraging technology to enhance its platform and service delivery [11][12] This summary encapsulates the key insights from the Paymentus conference call, highlighting the company's financial performance, strategic initiatives, market opportunities, and future outlook.